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The First National Bank at St. James

Popular Accounts at this Bank

0.60%1-year CD12 Month CD
0.85%2-year CD24 Month CD
0.85%3-year CD30 Month CD

Overview / Commentary
202 1st Ave S
Saint James, MN 56081

The First National Bank at St. James is headquartered in Saint James and is the 290th largest bank in the state of Minnesota. It is also the 5,840th largest bank in the nation. It was established in 1934 and as of June of 2016, it had grown to 12 employees at 1 location. The First National Bank at St. James has a B+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The First National Bank at St. James has a low asset base.

Health Grade Components

FDIC Certificate #14853
Year Established1934
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.37%
Return on Equity - YTD4.39%
Annual Interest Income$633.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$29.7MM$30.1MM
LoansQ2 2016vs Q2 2015$17.7MM$18.4MM
DepositsQ2 2016vs Q2 2015$26.3MM$25.2MM
Equity CapitalQ2 2016vs Q2 2015$2.6MM$2.6MM
Loan Loss AllowanceQ2 2016vs Q2 2015$232.00K$218.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$46.00K$190.00K
Real Estate OwnedQ2 2016vs Q2 2015$19.00K$19.00K
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The First National Bank at St. James CD Rates

1.00%$500-36 Month CD
1.00%$5k-36 Month Variable CD
0.85%$500-24 Month CD
0.85%$500-30 Month CD
0.60%$500-12 Month CD
0.60%$500-18 Month CD
0.50%$500-182 Day CD
0.25%$500-91 Day CD

The First National Bank at St. James Locations
The First National Bank At St. James202 1st Ave SSaint James, MN 56081